What to Consider Before Getting a Second Credit Card

Life presents us with a series of life-altering decisions. Should we search for a new job? Are we ready for marriage and children? Is getting a second credit card a good idea? Okay, maybe that last one isn’t in the same category, but it is an issue that requires some thought.

A second credit card means another monthly payment. Applying for one will have an effect on your credit score. There’s also the possibility that your spending could become unmanageable, and you’ll start to hear terms like “debt snowball” and “debt avalanche method,” which can sound scary if you don’t know what they are. (They’re ways to pay off your debt, BTW.)

None of this means that getting a second credit card is a bad idea. There are benefits to doing it and good reasons why you’d want to apply for one. In this article, we’ll go over some important … Read more

Quitting is Hard, Let CBD Help

We know that quitting an addiction to tobacco and nicotine is difficult. However, researchers believe that CBD may be the key to breaking the habit permanently. Millions try every year to kick cigarettes to the curb, but only six percent seem to find success. Mental addiction is the hardest aspect to overcome, and non-tobacco pouches or other nicotine replacement therapy only treat the physical dependence. CBD works on retraining your brain, so you can focus on battling the physical facet.

How CBD Helps

The CDC has announced that more Americans are addicted to tobacco above any other drug, including cocaine. Millions of dollars are poured into research and products every year to find an end to this problem, as it is the number one cause of preventable deaths. Researchers ran a week-long experiment in 2013 to determine if there was any proof to claims regarding CBD helping prevent mental addiction. … Read more